Best Monzo Alternatives in 2026
Updated
20 apps from digital wallet apps ranked against Monzo on the same published basis.
- 1Monzo vs Guarda Wallet
- 2Monzo vs Apple Pay
- 3Monzo vs Google Pay
- 4Monzo vs Monese
- 5Monzo vs PayPal Invoicing
- 6Monzo vs Wise
- 7Monzo vs Coinbase Wallet
- 9Monzo vs Neteller
- 10Monzo vs PhonePe
- 11Monzo vs Venmo
- 12Monzo vs Cash App Taxes
- 13Monzo vs GoPay
- 14Monzo vs MetaMask
- 15Monzo vs Trust Wallet
- 16Monzo vs Alipay
- 17Monzo vs Coin Wallet
- 18Monzo vs Orange Money
- 19Monzo vs Rainbow
- 20Monzo vs bKash
- 21Monzo vs eSewa
Monzo alternatives compared
| # | App | Score | Free plan | From | Runs on |
|---|---|---|---|---|---|
| 1 | Guarda Wallet | 6.7 | Free plan | Free | Android, Browser, iOS, Linux, Mac, Web, Windows |
| 2 | Apple Pay | 6.6 | Free plan | Free | iOS, Mac, Web, Windows |
| 3 | Google Pay | 6.6 | Free plan | Free | Android, iOS, Web |
| 4 | Monese | 6.6 | Free plan | £2.50/mo | Android, iOS, Web |
| 5 | PayPal Invoicing | 6.6 | Free plan | Free | Web, iOS, Android |
| 6 | Wise | 6.6 | Free plan | Free | Android, iOS, Web |
| 7 | Coinbase Wallet | 6.5 | Free plan | Free | Android, Browser, iOS, Web |
| 9 | Neteller | 6.5 | Free plan | Free | Android, iOS, Web |
| 10 | PhonePe | 6.5 | Free plan | Free | Android, iOS |
| 11 | Venmo | 6.5 | Free plan | Free | Android, iOS, Web |
| 12 | Cash App Taxes | 6.4 | Free plan | Free | Web, iOS, Android |
| 13 | GoPay | 6.4 | Free plan | Free | Android, iOS |
| 14 | MetaMask | 6.4 | Free plan | $16.58/mo | Android, iOS, Web |
| 15 | Trust Wallet | 6.4 | Free plan | Free | Android, Browser, iOS |
| 16 | Alipay | 5.5 | No | — | Android, iOS |
| 17 | Coin Wallet | 5.5 | No | — | Web, Windows, Mac, Linux, iOS, Android |
| 18 | Orange Money | 5.5 | No | — | Android, iOS, Web |
| 19 | Rainbow | 5.5 | No | — | Web, Windows, Mac, Linux, iOS, Android |
| 20 | bKash | 5.4 | No | — | Web, iOS, Android |
| 21 | eSewa | 5.4 | No | — | Android, iOS, Web |
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Questions about Monzo alternatives
What is the best alternative to Monzo?
Guarda Wallet, number 1 in digital wallet apps with a score of 6.7 out of 10. The others here: Apple Pay, Google Pay, Monese and 16 more.
What is the best free alternative to Monzo?
Guarda Wallet is the best-ranked alternative with a free plan. 14 of the 20 alternatives here publish a free plan on their own pricing pages.
How are these alternatives ranked?
Ranked free-and-open first: a usable free tier and open-source code, then the platforms it runs on and its documentation.